Thug Banks - TB – In India!

Almost a year back, when one of our friends went to the Bank Of India branch in Hanumanthnagar, Bangalore, to get a new Debit card in the place of an expired one, she was told by an arrogant bank Lootaccomplice (A person who is a partner or helper in the process of LOOTING, HELPING the bank to ‘TRICK’ the customers, efficiently!) to bring her PAN card, which she NEVER HAD, to have a new one! The FACT that she had been using the account for 11 or so years was ‘NOT’ enough for the Lootaccomplice, who was DEAD BENT on making her apply for a ‘PAN CARD’, one of the million identity cards an ordinary Indian IS ‘FORCED’ to carry, making one remember the ‘CARD CARRYING SYSTEM’ for the ‘BLACKS & BROWNS’ in the Imperial South Africa, wherefrom ‘one’ MK Gandhi arrived in India, more than a century before, in 1915!

A couple of years ago, I learned that I could ‘REVIVE’ (Under various revival schemes –Schemes ‘schemed’ by the ‘scheming’ schemers of Thug Bank Industry (TBI!)!- initiated by the ‘NEW’ government policies of ‘THAT’ time!) my expired or out of service account in Canara Bank, which I started 20-25 years ago, by ‘GIVING’ the THUG BANK (TB as in TB the disease which wasted one’s Life, slowly!) 1500 or more Indian rupees, as my account ‘STOPPED” functioning due to the continuous decrease of  money in my account DUE to the non minimum balance theory (NMBT!) the TB practiced (Which means ONCE the TB stipulated minimum balance in my account dipped a rupee or so below the TB ‘stipulated’ 1000/- , which was ‘NOT’ the case when I opened the account decades back, and, TBs can ‘STIPULATE’ & ‘RESTIPULATE’ any time they wish !) they ‘KEPT’ reducing ‘PENALTIES’ from my account ‘REGULARLY’ for a certain number of months, making the account (And, ofcourse me, the TB Account Holder –TBAH!) INDEBTED to the TB for MORE than 1500 Highly Devalued Indian Currency (HDIC!)! The very moment I heard this, I DISAPPERED from the TB Canara Bank premises!

Now a days, I NEVER EVER dare to go even a couple of kilometers near the TB Canara Bank, where I had my decades old TB Account AS I seriously suspect that they WILL SIEZE me & auction me in the ‘OPEN’ commodity market to SQUEEZ the more than 1500 HDIC & it’s interest out of me! When I read various ‘MANIPULATED’ financial news articles (MFNA!) on the various TBs of India, I ALWAYS scan for my own photo being printed there ‘DECLARING’ me an absconding Harshad Mehta or Liem Nielson who made the TB ‘tank’ under the weight of the HUGE debt (Of 1500 or so HDIC & it’s FAST growing interest!) or in the words of the ‘current’ trend –Non Performing Asset, NPA - I owe it!

When I gave a cheque to one of my friends on 12/02/16, Friday, LITTLE did I know that another one of the TBs, in the name of Catholic Syrian Bank (CSB!), where I have an account for almost 2 decades, will ‘BOUNCE’ my cheque stating that my account had been ‘FROZEN’, charging him 250/- in the process! Hearing this over the phone I FROZE myself! I could ‘NOT’ help thinking about my STATURE in the Republic of India! From my school days, I have a notion that ‘ONLY’ Important or Notorious persons got their account ‘FROZEN’ and it can be considered as a sign of the person, whose account has been ‘FROZEN’, as someone ‘NOT’ ordinary and, ofcourse, EXTRAORDINARY!

It took a couple of LOOOOOONG minutes for me to come out of this DEEP FROZEN state! I wondered whether I have enlisted myself in ISI or IS or Now Extinct ULFA or Al Qaeda, ‘in my dreams’ OR I have been ‘seriously’ suspected of HIDING a couple of Multiple Independently Targeted Reentry Vehicles (MIRVs!) & nuclear submarines ‘under’ my pillow to wage war against the nation THAT the so called AUTHORITIES, who ‘ONLY’ has, in India, the ‘Right To Freeze’ (RTF!), froze my assets!  

Frozen, though NOT deep frozen, I called the TB Catholic Syrian Bank & the woman on the other end started ‘LECTURING’ about my ‘FAILURE’ to give THE CSB THUGS the so called ‘KYC’ doc duly filled, ‘despite’ them sending me 3-4 letters, in my address, in this regard, in the last 12 or so months, ‘WHICH’, to my great surprise, I ‘NEVER’ GOT (“Should I ‘SUE’ the postal department for SWALLOWING UP all the 3-4 letters TB CSB ‘INVISIBLY’ sent me, spending a couple of decades in the Eternal Indian Courts (EICs!), spending whatever I earn?”, was the question, I knew, that ‘SHE’ wanted ‘to’ GROW, in my ‘FROZEN’ mind!)! She also ‘ARROGANTLY KINDLY’ informed me that they would ‘NEVER’ refund anything of the 250/- lost to my friend ‘solely’ due to THEIR ‘UNILATERAL’ FREEZING OF MY ACCOUNT, WITHOUT MY KNOWLEDGE, meaning I SHOULD shell out 250/- from ‘my pocket’ to give back the money my friend lost DUE TO TB Catholic Syrian Bank’s arrogant, stupid & uncalled for ‘dastardly’ act!

It was interesting to know that ‘THEY’ accepted the money deposited in the ‘FROZEN’ account on 5^th of this month (February, 2016!), ‘WITHOUT’ ME SUBMITTING THE SO CALLED ALL IMPORTANT ‘KYC’ doc, about which they ‘PRETEND’ they sent me 3-4 letters in the last 12 months or so, in which I am asked to ‘CERTIFY’ that I am ‘NOT’ a member of ISIS, ISI of Pakistan, Al Qaeda etc and I am ‘not’ working for the Chinese or the SS or Dawood for my living and all the money I deposit in the Thug Bank (TB!) is ‘not’ coming from the ‘Hawala Deal’, ‘Fake’ Currency Business, ‘Illicit’ Liquor Business, Indian Adulteration ‘Industry’ (IAI – The latest ‘declared’ industry UNDER Make In India programme!), Narcotics Smuggling & Sale (NSS!), International Arms Deals, Large scale human trafficking, flesh trade in Las Vegas & Grand road, Mumbai etc & I will ‘NEVER’ submit ‘FAKE’ HDIC, ‘printed’ in ‘my’ Counterfeit Currency Press (CCP!), underground, in the Hawaii Islands & Mariana Trench Area, failing which I would be ‘FROZEN’, again!

As the FIRST STEP to prevent the ‘LOSSES’, regularly occurring to the ‘HAPLESS’ TB customers, ‘Each’ of the employees of the TB ‘SHOULD’ give self attested declarations (Know Your TB Lootaccomplice – KYTBL!) , ‘INDIVIDUALLY’ & with government approved ID proof (Ha…ha….ha…!) & a couple of photos, to the respective customers of the ‘every’ TB branch STATING THAT (1) he/she has ‘NEVER’ been involved in any financial malpractices, any time in his/her employment period, (2) he/she has ‘NEVER’ defaulted on any loans taken anywhere during his/her life time, (3) he/she has ‘NO’ criminal background, (4) he/she has ‘NEVER’ been booked for any offence under Indian Law, (5) he/she has a ‘GOOD’ school leaving certificate (Indicating his/her personal integrity REQUIRED for  a Lootaccomplice….ha….ha..!!!), (6) he/she has ‘NO’ quarreling/aggressive attitude in his/her character, (7) he/she is a human & humane to all etc THAT every customer can WITHOUT FEAR deposit one’s own HARD earned money in the TB, at the least, @ the time of depositing! 

And, the RIGHT to DEEP FREEZE (RDF!) the employee & the particular TB branch in the Icy caverns of Antarctica will 'solely' rest on the shoulders of the respective TB branch customers if he/she is found to have ‘FALSIFIED’ in the ‘Self Declaration’ he/she has given to the TB customer!

It ‘SHOULD’ be added in ‘BOLD’ letters in the TB branch declaration that IF any money is lost to the customer, in any way –As it happened to me!- or any inconvenience is caused to him or her IT will be COMPENSATED, in no time, TAKING THE COMPENSATION ‘from’ the salary of the employee BECAUSE OF WHOM the loss occurred! (When a bank takes BACK from its own employee the money it lost due to his or her inefficiency or stupidity, the TB customer ‘ALSO’ has the SAME right to RECLAIM his/her losses!)

  

As, I am a person WHO, ‘like’ millions of other ordinary Indian TB customers, deposit MY WHITE MONEY in the TBs & its ‘NOT’ the TBs depositing their money in My Account, I, and, all other millions of TB customers (Or shall they be called ‘TB Patients’?!), all across India, have a right TO DEMAND the Know Your Bank (KYB!) doc , presented to EVERYONE that I & the other millions of THE CHEATED by the TBs come to KNOW what happens in the so called TB Industry (TBI!)!

As, We, The Indian Customers, ‘SHOULD’ Know Their ‘LOOTING’ Banks or Bank Lootere, the Looting Banks or Bank Lootere SHOULD give each of their customers a ‘declaration’ with the attested copies of ‘relevant’ (Ha….ha…ha…!) documents, attested copies of the photos of those Bank Thugs (BT!) who ‘HEAD’ the Common Customer Looting Programme (CCLP!) etc that we, the common TB customers, at the least, come to know the Treacherous ‘ETHICAL’ Business Practices (TEBP!) ‘HONESTLY’ followed in the TB Industry!

The declaration, We, the common TB customers, DEMAND & ‘ought to’ get ‘SHOULD’ also provide the ANSWERS for the following questions:

1)    ‘How’ the banks cheat their customers?

2)    How much they ‘make’ every financial year, CHEATING their customers?

3)    By ‘HIDDEN’ charges & all (Nothing but ‘CERTIFIED’ LOOTING Techniques - CLT!) ‘like’ withdrawal charges, ATM charges, cheque book charges, opening charges, closing charges, maintenance charges, minimum account NON maintenance charges, Bank Luteere charges, SB charges, Bank Luteere Union Charges (BLUC!), Sunday Charges, Monday Charges, Evening Charges & Morning Charges, Exceeding charges, Non exceeding charges, Active account charges, Inactive account charges etc HOW MUCH money they make, branchwise?

4)    What all methods they use to CHEAT their customers & the percentage wise statistics of ‘every’ method adopted?

5)    Where does the customers’ deposited money end up & @ what rate of interest?

6)    Why ‘SHOULD’ all the bank officials behave AS they are the Slave Bosses of India (‘SBI’……OMG!!!?) of the slave customers (SC!) WHEN, in Reality, the money is the common man customers’ (CMC!) & they are ‘ONLY’ the low grade accomplices of the Thug Tycoons of the so called banking industry?

7)    How the government of India & other Regulatory mechanisms ‘HELP’ banks ‘CHEAT’ their customers?

8)    When the inefficiency of the banking staff & the banks themselves make CRORES OF INDIANS’ MONEY go waste WHO THE BANKING ‘BASTARD’ IS HELD RESPONSIBLE?

9)    What happens to the HUGE amounts of money stored in these Thug Banks (TB!) without claims or, in reality, ‘FALSELY’ DECLARED as UNCLAIMED by the CHEAT BANKS?

10)                       Why they are NOT handing over the percentage decrease in the interest rates to the customers?

11)                       Why they ALWAYS HIKE interests UNPROPORTIONATELY when the RBI hikes interest rates?

12)                       Why the Bank Regulator Mechanisms ALWAYS ‘REGULATE’ the ordinary customers & NEVER the Thug Banks (TBs!)?

13)                       Why decades’ old ‘VERIFIED’ accounts ‘require’ reverification after reverification according to the ‘WHIMS & FANCIES’ of the STUPIDS in the banking Industry?

14)                       Is the Banking Industry all about ‘LOOTING’ the common customers & supplying the BOOTY to the Highwaymen Of Repute (HoR –‘Sounds’ familiar?!) SO THAT common man’s money can be ‘WRITTEN OFF’ as NPA (Non Performing Assets) etc?

15)                       Who ‘ALL’ help these shameless ‘TBs’ loot ordinary customers?

(There is a welcome suggestion, signed by millions of ‘NON ENTITY & NON EXISTENT’ netizens, doing the rounds, which is under ‘serious scrutiny’ of various financial departments & ministries to FIX ‘TB’ in front of all the banks in India as Mr, Mrs, Miss, Senorita, Messers etc are fixed in certain places, ALWAYS!)

An Interesting ‘RELATED’ Article From This Same Blog, Posted On 19^th, February, 2009 Can Be Read ‘HERE’!  

Finding One’s Long Lost Ambani Brother!

It’s always amazing & dreamlike to find out ‘one fine morning’ that one of the BIGGEST business magnates in the country is your Loooooong Lost (‘How Long?’ that I don’t know, for sure!) Brother! And, when you find that out, by sheer chance -AS IT HAPPENED TO ME!- the other one too becomes your brother -Here, Mukesh Ambani!- & you AUTOMATICALLY qualifies for the immense wealth these brothers amassed, ‘as a brother’!

All those things of yester year cinema – like finding one’s long lost brother with the sighting of a black mole/mark under his buttocks when the long lost brothers fight & ‘ACCIDENTLY’ tear the trousers just EXACTLY above the much hidden mole/mark or remembering the 10 line song/lullaby which the mother sang when the brothers were @ the incredibly ‘comprehending age’ of ‘BARELY’1 & 2 years are pass & it’s the era of new generation movies where the long lost ones find each other using SMS contests, ‘FREE’ talk time offers etc!

That’s what I found out one fine morning, 19-04-14 to be exact! And, who can fathom the great joy of a brother (Me!) finding out a long lost brother & getting another long lost brother FOR FREE! It also dawned on me that the ‘FREE’ offers we, the poor brother Indians, have been bombarded with, all across the width & breadth of the country, is nothing but ‘the Great Helping Hand Technique’ offered by our dear long lost ‘BIG’ brothers to find our long lost ‘BIG’ brothers!

When I landed ‘back’ in Bangalore on 19-04-14 & when I switched my mobile back to life I got a message from my service provider! I give it here EXACTLY as I got it!

[Message]

Hi, I had tried

calling you at 12.42

pm 18 APR

:: Reliance

[ Sender ]

01401359128

[ Time ]

19.04.14 08:52am

For a moment my heart was leaping with joy & soft emotions thinking about my VERY CARING service provider or rather SHOULD I call him My Service Brother who, the very moment I came back, INFORMED me about the CARE He has for me with the above given message!

As I remembered Buddha & his teachings, I reduced my emotions & started to think about the ‘Brotherly Message’! Then, when I searched further in my message box, to my surprise, I found another message in my mobile phone which shattered My Concept Of Brotherly Love; I give that heart shattering message ‘too’ here, with a BrOkeN hEaRt: 

[Message]

You have been

successfully

subscribed to Missed

Call Alert service for

Rs.30.00 for 30

days .To

Unsubscribe, SMS

to

51234.Reliance.

[ Sender ]

51234

[ Time ]

15.04.14 12:13pm

I realized, I ‘NEVER’ sent a subscription message or asked to activate this ‘GREAT & WONDERFUL’ service! And, I also remembered I had fought against this sort of ‘CHEATING’ earlier, as well, and posted some of them in ‘Complaint Box India’ (Group - Orkut) & ‘Indian Complaint Box’ (www.indiancomplaint box.blogspot.com), a couple of years back! I painfully understood that These ‘TRICKSTER BROTHERS’ Have Been Continuing With Their Large Number Of ‘CHEATING TRICKS’, all these years, ‘unabated’!

And, I remembered it is the same brother who ‘monthly’ sends me ‘WARNING’ MESSAGES, without fail; I provide here one of the ‘THREATNING’ MESSAGES I get every month from My Ambani Brother:

[Message]

Dear Customer

please pay your

Netconnect Bill due

of Rs.......  today

to avoid late

payment of Rs100

or 2.5%

charges.Kindly

ignore if paid.RCOM

[ Sender ]

RM-Reliance

[ Time ]

27.03.14 09:12am

Here, the BIG Brother ‘THREATENS’ to collect Rs 100 or 2.5% (Whichever is HIGHER!!) ‘if’ I fail to pay by the pay by date! Is TRAI Mama aware of this ‘30% penalty’ (Or ‘SHOULD’ we call it ‘LOOT’?!) imposed on the small & smaller brothers when billions worth assets of Indians and small &smaller Indian brothers are compromised (Read LOOTED!) for the sake of BIGGER BROTHERS, all across India, all these decades of FREEDOM?!

And, it is interesting to know that for the last 6 years or so I have been paying WHATEVER my dear Ambani Brother has been asking DESPITE I GETTING 00.001kpbs more often than NOT for a connection I took, FOOLED BY the offer & marketing (Read ‘CHEATING’!) technique which trumpeted UPTO 114kpbs!!! One SHOULD try to understand the patience levels I have @ present due to the AMBANI ‘UPTO’ PATIENCE TRAINING METHOD (AUPTM!) which got introduced into my life by this 00.001kpbs Wonderful Device (Data Card!), though I regularly, NON STOP, call My Ambani Brother Names!!

By collecting rupees 10s, 20s, 30s, 40s, 50s, 100s etc, ‘slyly’ ,these BIG Brothers, all over India, all over these decades of Mobile Revolution, under the All Seeing ‘Sleeping’ Eyes of TRAI Mama, SHOULD HAVE AMASSED A GREAT FORTUNE, without anybody other than TRAI Mama noticing! (Millions SHOULD HAVE BEEN LOOTED in this way, ‘MONTHLY’, i.e. ‘Rs 30 or 50 or 100 or 200 x millions of customers’, in the names of ‘UNSUBSCRIBED’ Caller Tune Installation, Missed Call Alert, Miscalculation, Plan Modification, Simply Charging For Nothing or Simple Adding & millions of other Innovative Cheating Methods or ICMs – WE SHOULD CALL IT THE ‘GREAT INDIAN MOBILE ROBBERY’!) Definitely, the ‘Who Is Who’ of the TRAI Mama Circle (TRAI-MC!) SHOULD HAVE GOT THEIR POUND OF ‘FIP Flesh’ that they keep their eternal quietness intact! After all, it’s Independent India where the ‘Special Every One’ has the Constitutional Right to be eternally silent though they are paid  (We, the ignorant common people, call it ‘Government Salaries’!) by the taxes paid by the FIP (Free & Independent People – Since 1947, August 15!) of India to Raise Their Voice against injustice happening in their fields of action!  

Another piece of great & wonderful piece of information that emerged out of all these ‘Long Lost Brother Finding Programs’ is that ‘Looting Is NOT Looting When A Brother Loots Another’, after all we, all Indians, are brothers! It’s all about one brother looting the other….And, of course, the BIGGER ones can loot the smaller ones, as are the rules in the Family Book Of Looting The Brothers! It is clearly stated in the Statutory Rule Book Of Brother Looting –which is always with the ‘Always Sleeping’ TRAI Mama- that the Powerful brothers can SHAMELESSLY LOOT the less powerful ones as ‘it’s ONLY the Fittest Looter (Brother) survives!’

And, TRAI Mama is always JUST! Though HE sleeps all the time IN FAVOUR OF THE BIG BROTHERS’ LOOTING, He is as JUST as the God Yamadharma!  After all He sleeps according to the Rule Book of Brother Looting where it’s been clearly writen in ‘undecipherable’ words that Big Brother has the right to loot the small or smaller brothers 24/7, and, that’s ‘a’ truth, which is self evident in FIP’s India!

When we see all these LOOT happening, in front of the ‘Sleeping Beauty’ Our Dear ‘TRAI’ Uncle (Or We, Indians, call Mamasree!), who is ‘supposed to control’ all these ‘Brotherly Looting’, I think, it is NOT stupid to assume that the ‘Sleeping Beauty TRAI Mama’ is the reincarnation of ‘Sakuni Mama’ of Mahabharat fame or He is the Modern Day ‘Sakuni Mama’, favoring the Kaurav Brothers, ALWAYS! Who doesn’t know that the Sleeping Mamas ALWAYS favoured the Kaurav Brothers?!

BUT, it is a great thought that day in & day out the 1 billion+ great people of India, in their thousands, would be finding out Their Long Lost Ambani Brothers, non stop! And, it’s another wonderful thought that some of them would ‘EVEN’ be finding out their ‘Own’ Long Lost Mittal (Of Airtel Bharati!) Brothers, Birla Brothers & Other Brothers, as well! What IS the difference but in the names, as all Indians, at the least, by now, must have come to know that all Indians are BROTHERS (& NOT Bothers!)  & clearly understood what they had learned in their ‘ill furnished class rooms’ from their ‘well qualified ignorant teachers’ that “All Indians Are My Sisters & Brothers” IS true! But, one can’t be that sure if there, in the 1+ billion brothers available for an average Indian, some are ‘MORE’ BROTHER THAN THE OTHER or NOT?!

Anyway, it’s a SOOTHING & WONDERFUL THOUGHT that , in this country of a billion FIP –where more than 30% the So Called ‘Free & Independent’ People (That would be between 30 & 40 crores of ‘Free & Independent’ People or FIP!) are BELOW THE POVERTY LINE –Despite adding Ocean Full of water to the Real Poverty Line Reports/Records (RPLRs!)!- thousands of people ‘WAKE UP EVERY DAY’ to find out a LONG LOST Ambani or Mittal or Ruia or Birla Big Brother (‘Bhaiyya’-we, FIP, call in Our Rashtra Bhasha Hindi!), under the ‘EVER SLEEPING’ Watchful Eyes of TRAI Mama &TRAI-MC! O What An Idea, Ambaniji……Mittalji….Birlaji….Our (FIP’s!) ‘Other’ Big Brotherjis….TRAI Mamaji…. TRAI Mama Circleji…..OF LOOTING ji?!

‘Thank You’ 4 Cheating, Non Performing, Killing etc!

I am used to say 'Thank You!" & almost all are! We are taught that it is polite & standard to say "Thank You!" in almost every situation! We & the generations coming up have been taught from the pre school days to 'SAY THANK YOU', almost every moment of one's life and that’s what we all have been doing all theses years & decades! Time stops for no one & this practice goes on non stop.....!

Sometimes I wonder whether I am Buddha, Jesus Christ or Gandhi as I 'SAY THANK YOU' in almost every moment of my life, as I suppose my self elevated to these great men's platform, some how! Its almost like a machine I 'SAY THANK YOU' & move on with the next thing at hand and in most of the cases I 'SAY THANK YOU', the people who got it from me never EARNED THE ‘THANK YOU’ I gave them, as they must have done ABSOLUTE NOTHING to me in the matter of quality, quantity or any other thing of existence; still I keep saying 'THANK YOU'! And, if I, out of some extreme reason, forgot to say 'THANK YOU', I feel like I DID something wrong & 'SAY THANK YOU' the very next moment and feel relieved!

HENCE, NOW I KEEP THANKING the reservation clerk at the railway station, who deals with every one rudely because 'HIS MASTER WIFE' treats him ill every day, for doing his duty of reserving a ticket, in the most awkward & rudest of the ways possible, the bus conductor who seldom gives back the change in one pretext or the other, the various service providers mushrooming all over the country who never know what service is, the teacher who never teaches my children anything as she never ever got a proper education or will have ever, the bank employees who make the easiest possible money transaction the most difficult in the world, all those wonderful people – including the very efficient & public oriented public servants, government people, pick pockets, various categories of tax men (Always worse than the cavemen!), various departments of service in private & public sector etc - who take money from my pocket without me ever knowing, the education minister who did all the sort of ruining of the entire education system, the shopkeepers who always give much less than what is paid for without me knowing ever, the postmen, who in the last 7 years, delivered letters to our address ONLY when they felt it like delivering – Which happened only a couple of times, in this short span of 7 years!-, the civil supplies minister who illegally & arbitrarily disconnected our gas connection which we have been using for the last 8 years, the men at the petrol bunks who always waste a large number of drops of the precious oil outside the petrol tank while lifting the petrol pump hurriedly from the petrol tank of the vehicle just before the completion of the flow for which one pays without fail, the hotelier who makes idlies, dosas etc that small (Ofcourse for a fortune!) that even the mighty Lilliputians marvel about their tiny sizes, the Director General cum CEO cum CFO cum Dean cum the Vice Chancellor of the gas agency which put our gas documents into the waste bin & looked in the other direction, the magnanimous service provider who frequently puts caller tunes into our mobiles & fleece us without ever asking us, the grocery shop man who always charges one or two rupee extra on the 'Indian Government Approved MRP' (Is MRP Malpractice in Retail Pricing??!), the milk man who adulterates milk with whatever comes handy, the VIP Dignitaries who always arrive, at the least, a couple of hours late, the traffic & other POLICE MEN WHO STEAL MONEY FROM ONE'S POCKETS IN THE NAME OF LAW, the repair man who repaired the undamaged part of my lap top, the hotelier who always serves the worst, sub standard & unhygienic, the government employee (who survives as a leach or a parasite on the money common man like me/you pay/s all one's life!) who ASKES FOR 'SOMETHING' TO GREASE HIS HANDS TO DO THE DUTY HE/SHE IS 'COMMONMANLY' PAID FOR, the industries which drastically pollute our living environment, the neighbour who tramples –‘Deliberately Unknowingly’!- on the plants & saplings I plant in my place & pour hot water on them that they may never grow up against HER MIGHTY WILL, the PWD department & other people friendly departments concerned which lay such beautiful roads that my vehicle (And, all other people’s vehicles, as well!) always get damaged that I get fleeced by the Greedy Repairers of the Well Registered & Well Certified  Workshops, the RTOs who, as GOD, declare “Let There Be Driving Licences 'To Kill' In Every Body's Pocket”, the doctor who ALWAYS FINDS OUT SOMETHING WHICH SHOULD BE 'THOROUGHLY' DIAGNOSED WITH ALL THE EQUIPMENTS AWAILABLE IN THE HOSPITAL HE WORKS IN OR THE CLINIC HE RUNS, the local rowdies who in the light & softened phrase of  'Eve Teasers' do whatever they wish to do, ‘the Friendly Neighbourhood Waste Dumper’ (Ofcourse and always into your piece of land & home!), the so called AC theatres, buses, trains etc where the ACs are seldom switched on, in the name of consumer/customer/commuter convenience, the Known & Unknown Great Personalities who poisonously adulterate all the food items I/we eat and all the other great men who are there in the world!

My son asked me whether ‘THANK YOU’ is something that should be given to those who have done nothing or who do things as their duty taking money out of one’s pocket?! He also suggested that if he has to say ‘THANK YOU’ to his teacher after the class the teacher should also say ‘THANK YOU’ to him that there exist some parity, as, according to his great wisdom, the teacher is teaching him taking money out of his pocket, that is his father’s pocket, which should be RIGHTLY THANKED every time he thanked the teacher! I liked his logic! Though I say ‘THANK YOU’ day in & day out, I am still unsure if this is not an extremely foolish thing that we do quite often, aping the West blindly in our culture & environment, which is a whole world different from that of the West?! Still, I know it is the ONLY WAY by which I can get myself into the league of a Buddha or Gandhi; hence, I continue saying ‘THANK YOU’!

 I came to know from very trustable sources that there are even great ‘THANK YOU’ COURSES (Most of them heavily subsidised by the various state & central governments, which always think pro poor!) where one learns to say ‘THANK YOU’ ceremoniously, in multiple styles & with great sound modulation & enthusiasm etc, in all the situations where there is NO NEED TO SAY ‘THANK YOU’ AT ALL & THAT TOO TO THE THANKLESS & SENSELESS PEOPLE FROM VARIOUS WALKS OF LIFE! In these courses they also make one master the art of saying ‘THANK YOU’ even when one is killed or murdered! Hence, we have lakhs & lakhs of great people among us who have completed these government sponsored & heavily subsidised ‘THANK YOU’ COURSES successfully, who (can) say ‘THANK YOU’ SUCCESSFULLY WITH GREAT SOUND MODULATION & DEPTH TO ‘THE DOCTORS WHO HAVE THE LICENCE TO KILL AND USE IT EFFICIENTLY’!

THESE MILLIONS OF GREAT MEN SAY ‘THANK YOU DOCTOR’ SUCCESSFULLY WITH GREATLY TRAINED STYLE & GRANDEUR - WHO MORE OFTEN THAN NOT ARE ABLE TO WAVE A LIFE OFF THE EARTH BY JUST ANOTHER FAULTY DIAGNOSIS & THE TRAINED COSTLY & AT THE SAME TIME TOTALLY INEFFECIENT REMEDIAL MEASURES AT THEIR DISPOSAL! - JUST BEFORE THEY CLOSE THEIR EYES FOR THE LAST TIME, THANKS TO THE GREAT, EXPENSIVE & AT THE SAME TIME GROSSILY ERRONEOUS & INEFFICIENT TREATMENT THEY ARE GIVEN BY THESE ‘LICENCED TO KILL’ DOCS! Ofcourse, they are no less people than the all time greats such as Buddha, Christ, Gandhi  and others & a humble me too try my level best by saying ‘THANK YOU’, right & left, night & day to get in & remain in their GREAT CIRCLE OF IMMORTALS! 

Bank Demons Of India!

Even 2 months after the Reserve Bank of India (RBI) reduced the Cash Reserve Ratio (CRR), the banks are maintaining the high interest rates they have been charging for around 2 years now! It is pathetic to know that the authorities and the government have turned a blind eye towards this, one should say, criminal act! All these banks -including the nationalised banks- had hugely increased the interest rates on the Already Loan Taken Customers, citing a million reasons, a couple of years back! All those poor guys, who took the loans at around 7% woke up one fine morning learning that they are paying around 11% or more on the loans taken at the FIXED INTEREST RATE of around 7%!

As they -most of them- had taken loans for the time durations of 15-20+ years and they had no options at their disposal to clear off the debt just at the same moment - as they were not Bill Gates, Ambanis, Soroses & Buffetts - they knew the LARGE SCALE CHEATING with the support of the POWERS THAT BE, they have been forced to pay whatever percent of interest the banks have been FORCEFULLY SQUEEZING OUT OF THEIR EXISTANCE! They were shown some charts and writings in HYROGLIPHICS & CUNIFORM to prove that there is a situation that forces the banks to SQUEEZE THEIR EXISTANCE HARD! A lot of persons defaulted and banks collected their BOOTY and swelled their bottom lines! The prices of the bank shares sky rocketed and there were wars waged on Dalal Street to corner a chunk of the Heavenly Priced Bank Shares, as they plundered the poor, hapless customers!

Then, there was a lending spree...! Great offers were showered on unsuspecting persons that they jump from the top of a precipice, believing in the false promises & offers of the Banks Turned Demons and found themselves scattered in at the least 25 cents of land area! Great Offers were promised most of the time in the upper brackets of 18% and more! They MARKETED BULLSHIT in beautifully decorated covers, for princely sums! There were more than enough FINANCIAL INSTRUMENTS in the market to CATER TO THE BRILLIANT CUSTOMERS - That was what the poor, unsuspecting, easily gullible customers were called in those days! Everybody, even those without having any need of BORROWED MONEY, took hundreds of thousands paying 18, 19, 20 and more percent of interest! Borrowing money for insensibly stupendous rate of interest became a fashion statement; it would be better, if we say, such foolish things were promoted as FADS by the banks & the media! And, the SUPREME BEING GOVERNMENT never uttered a word about the LOOTTING/FLEECING of the customers!

Then, there were GREAT PROMOTIONS RUN to develop the sense of spending using CREDIT CARDS! This CONVENIENT INSTRUMENT was promoted as the BE ALL & END ALL OF ALL THE GREAT THINGS in the financial industry! People were offered credit for JUST AS LITTLE AS 2.5 to 3 percent of interest, on credit cards! People, who didn’t have money to buy anything paying cash, resorted to THIS QUALITY BORROWING METHOD with ONLY 2.5 to 3 percent of interest! Very soon after the borrowing they understood, it would have been better to be an ABHIMANYU IN THE CHAKRAVYUHA than a borrower using credit card, as, even if there were chances of ESCAPE FROM THE CHAKRAVYUHA no one ever escaped from the credit card induced borrowing, which made millions heavily incapacitated & mortally damaged! What the POOR BRILLIANT CUSTOMERS seldom knew when they borrowed on the credit card, PAYING ONLY 2.5 or 3 PERCENT INTEREST was they pay THIS PALTRY PERCENT of INTEREST for a month and not a year, as the usual practice of interest calculation is! Hence, most of them paid 36% to 46% of interest annually for the amount they borrowed using credit card! And, here too, the SUPREME BEING GOVERNMENT never uttered a word about the LOOTTING/FLEECING of the unsuspecting & defenceless customers!

Then came THE CRUNCH! As people say, "All these things started in the U.S!" People were told THE CRUNCH won’t come to India, as it is not at all interested in coming to India as it is FULLY AMERICAN! But, as usual, against the GREAT PREDICTIONS of the FINANCIAL VISIONARIES of INDIA it found its way to India! People started feeling the pinch; they lost jobs; they reduced spending; they reduced borrowing etc. Money almost disappeared from the market as RBI tightened its grip on the money circulation to curtail a rising inflation rate; it increased the CRR of the banks. Citing THIS REASON banks increased the interest rates again! People almost stopped borrowing at exorbitant rates, thrust upon the poor, defenceless customer! With the inflation under control and spending on the downward spiral, RBI reduced the CRR substantially! The very next moment BANK DEMONS reduced the interest rates of all the deposits they have taken, saying they have huge surpluses due to the CRR REDUCTION! But those, who borrowed from the banks, were forced to PAY INTEREST THROUGH THEIR NOSES, continuously! They never got any reduction in the rates in which they pay their interest! They could not understand why the BANK DEMONS are not willing to reduce the rate of interest for their old customers, as they have been paying hugely excessive rates of interest for the money taken on a totally different & substantially lower rate of interest, years back! They even failed to understand the logic which states 'when there is a rise in CRR there is a huge rise in the interest rates and when there is a downward spiral in CRR there is NO REDUCTION IN THE INTEREST RATES!' Whoever said "Sarvam Maya..Jagath Mithya!" must be right here too, as these POOR BORROWERS understand at their own peril! It is time to re write John Keats as we see the Modern Day Knight Being Told "La Demon Bank Sans Merci...Hath Thee In Thrall!"